Breaking Down UMB Financial: 5 Analysts Share Their Views
UMB Financial (NASDAQ:UMBF) underwent analysis by 5 analysts in the last quarter, revealing a spectrum of viewpoints from bullish to bearish.
Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.
| Bullish | Somewhat Bullish | Indifferent | Somewhat Bearish | Bearish | |
|---|---|---|---|---|---|
| Total Ratings | 1 | 3 | 1 | 0 | 0 |
| Last 30D | 0 | 1 | 0 | 0 | 0 |
| 1M Ago | 0 | 0 | 0 | 0 | 0 |
| 2M Ago | 1 | 2 | 1 | 0 | 0 |
| 3M Ago | 0 | 0 | 0 | 0 | 0 |
Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $145.8, with a high estimate of $156.00 and a low estimate of $138.00. This upward trend is apparent, with the current average reflecting a 3.99% increase from the previous average price target of $140.20.
Breaking Down Analyst Ratings: A Detailed Examination
The perception of UMB Financial by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
| Analyst | Analyst Firm | Action Taken | Rating | Current Price Target | Prior Price Target |
|---|---|---|---|---|---|
| Brian Wilczynski | Morgan Stanley | Raises | Overweight | $156.00 | $154.00 |
| Benjamin Gerlinger | Citigroup | Raises | Neutral | $138.00 | $120.00 |
| Nathan Race | Piper Sandler | Raises | Overweight | $152.00 | $145.00 |
| Christopher Mcgratty | Keefe, Bruyette & Woods | Raises | Outperform | $141.00 | $133.00 |
| Janet Lee | TD Cowen | Lowers | Buy | $142.00 | $149.00 |
Key Insights:
- Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to UMB Financial. This information offers a snapshot of how analysts perceive the current state of the company.
- Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of UMB Financial compared to the broader market.
- Price Targets: Analysts gauge the dynamics of price targets, providing estimates for the future value of UMB Financial's stock. This comparison reveals trends in analysts' expectations over time.
For valuable insights into UMB Financial's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.
Stay up to date on UMB Financial analyst ratings.
Discovering UMB Financial: A Closer Look
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.
Financial Milestones: UMB Financial's Journey
Market Capitalization Analysis: The company's market capitalization is below the industry average, suggesting that it is relatively smaller compared to peers. This could be due to various factors, including perceived growth potential or operational scale.
Revenue Growth: Over the 3M period, UMB Financial showcased positive performance, achieving a revenue growth rate of 6.98% as of 31 December, 2025. This reflects a substantial increase in the company's top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Financials sector.
Net Margin: UMB Financial's net margin lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of 31.51%, the company may face hurdles in effective cost management.
Return on Equity (ROE): UMB Financial's ROE stands out, surpassing industry averages. With an impressive ROE of 2.88%, the company demonstrates effective use of equity capital and strong financial performance.
Return on Assets (ROA): UMB Financial's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.29%, the company may face hurdles in achieving optimal financial performance.
Debt Management: With a below-average debt-to-equity ratio of 0.06, UMB Financial adopts a prudent financial strategy, indicating a balanced approach to debt management.
The Significance of Analyst Ratings Explained
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.
This article was generated by Benzinga's automated content engine and reviewed by an editor.